The Kiva Business Microloan is a business loan from Kiva Business Microloan. The annual fee is 0. The ongoing APR is 0% after a 0% introductory rate. Approval typically requires a credit score of none or higher. Typical credit limit: $1,000 - $15,000. Funding speed: Usually takes 20-30 days. Loan terms: Usually takes 12-36 months. Minimum annual revenue: You must be able to prove revenue (i.e., donations) in the past 12 months if your business is a nonprofit organization.. 0% interest crowdfunded microloan up to $15,000. No credit check. No fees. Peer-to-peer lending through Kiva.org. Must recruit lenders through social network. Nonprofit lender.